Al Rajhi Takafulتكافل الراجحي
- Price
- 113.50 SAR
- Fair value
- 49.24 SAR
- Discount to fair value
- −131%
- Mkt cap
- 11.35B
- P/E
- 24.9×
- P/B
- 4.48×
- EV
- 10.83B
- ROE
- 17.9%
- Net margin
- 10.0%
Current price113.5SAR
Fair value (est., median)49.24SAR
UndervaluedFair valueOvervalued
+130.5% above fair valueWould need to fall ~56.6% to reach fair value.
Median ofDCF 59.18Graham 50.06Residual Income 48.41Earnings Power 41.83
Health Check
59.3
Overall / 100
Good (66+)Caution (40–65)Risk (<40)
Rewards
- Strong return on equity (17.9%).
- Healthy balance sheet.
- Above-average growth expected.
Risks
- Trades 130.5% above estimated fair value.
Scores are computed automatically from the real financial statements (Value from fair value; the rest from growth, profitability, balance sheet and dividends). A decision aid, not investment advice.
Price, corporate actions & news
Demo series
D — DividendS — Split▲ good · ▼ bad newstap a marker for detailsDemo series
Growth & profitability
Revenue, net income and margin.
RevenueNet incomeNet margin %tap a bar for figures
Key figures
Covers 4 years · FY2022–FY2025
| Metric | FY'22 | FY'23 | FY'24 | FY'25 | TTM'26 |
|---|---|---|---|---|---|
| Revenue | 2.50B | 3.77B | 5.18B | 4.55B | — |
| Net Income | 72.39M | 328.06M | 332.34M | 454.98M | 477.69M |
| Net Margin | 2.9% | 8.7% | 6.4% | 10.0% | — |
| Operating Cash Flow | 470.66M | 1.01B | -454.68M | -384.95M | — |
| OCF Margin | 18.8% | 26.8% | -8.8% | -8.5% | — |
| Capital Expenditure | 32.98M | 60.10M | 126.95M | 147.41M | — |
| Free Cash Flow | 437.68M | 951.49M | -581.63M | -532.37M | — |
| FCF Margin | 17.5% | 25.2% | -11.2% | -11.7% | — |
| FCF Conversion | 604.6% | 290.0% | -175.0% | -117.0% | — |
| EPS (Diluted) | 0.72/sh | 3.28/sh | 3.32/sh | 4.55/sh | 4.78/sh |
| Dividend / Share | — | — | — | — | — |
Dividend return (if you buy today)
This company doesn’t currently pay a dividend, so there’s no income return to project. The fair-value gauge above covers the price side.
Dividend history
Dividend / share & historical yield (SAR).
No dividend history — this company doesn’t currently pay a dividend.
Valuation breakdown
Fair value = median of the applicable methods (DCF، Graham، Residual Income، Earnings Power).
Each method below is a different lens on the same company — no single method dominates the result.
Discounted Cash Flow
Values the company from the future cash it's expected to generate. · Tap to adjust assumptions
59.18
Dividend Discount Model
Excluded — company pays no dividend
N/A
Graham Number
A conservative benchmark built from earnings and book value. · Tap to adjust assumptions
50.06
Residual Income (justified P/B)
Values the profit the company earns above the cost of its equity. · Tap to adjust assumptions
48.41
Earnings Power Value
Values today's earning power as-is, assuming no growth. · Tap to adjust assumptions
41.83
DCF only is anchored on FY2025 — the latest year with positive cash flow that supports a value. The other methods (DDM, Graham, RIM, EPV) use current / normalized figures.
Fair Value (median)49.24
▸ Show assumptions▾ Assumptions
- Effective discount rate
- 10.49%
- CAPM cost of equity
- 10.50%
- Risk-free rate
- 4.50%
- Equity risk premium
- 6.00%
- DCF growth (stage 1)
- 8.00%
- DCF terminal growth
- 3.00%
- DCF forecast years
- 5
- DDM dividend growth
- 3.00%
Tune these per company in the Hajras Odoo backend; values recompute automatically.
Wealth simulator
What if you'd invested in Al Rajhi Takaful regularly?
Starting year
Not enough history to simulate.
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